Legal analysis: If the online loan fails to repay during the epidemic, the borrower can negotiate with the lender to repay by installments or postpone the repayment. If the lender agrees, the borrower can repay the loan in installments or postponed; If the lender does not agree, the borrower will have to pay overdue interest for overdue repayment, and the lender may bring a lawsuit to the court to recover the arrears according to law.

Legal basis: Article 180 of the Civil Code of People's Republic of China (PRC) shall not bear civil liability if it fails to perform its civil obligations due to force majeure. Where there are other provisions in the law, those provisions shall prevail. Force majeure is an objective situation that cannot be foreseen, avoided and overcome.